Open a fully online account in minutes, hold UMC and local currencies, and start transacting with confidence.
Banking designed for “Mama wa kijijini,” the Masai herdsman, and everyone in between—no <
one is “too poor” for Umoja bank.
– No paper chase. Biometric setup in seconds.
– Load UMC or local cash via any Umoja Agent.
– Send money, pay school fees, or tuck away savings on your schedule.
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Feature
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Benefit
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|---|---|
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Village-Friendly KYC
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It starts with a Fingerprint
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Zero Minimum
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Open and run your account with UMC 0.
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Flexible Savings Plans
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Automate daily, weekly, or monthly “chama” pots.
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Instant School-Fee Payments
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No more last-minute scrambling.
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On-the-Ground Support
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Every Umoja Agent is your neighborhood banker.
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No—your fingerprint is enough.
No!
Only what you choose to save or move.
Instant transfer to any school account via the app or agent.
Have the skills, passion, and drive to transform cross-border payments? Join our team, help design, build, and scale solutions that empower millions.
Looking to power borderless payments at scale? Become an Umoja partner or investor, integrate our rails, onboard your network, and drive financial inclusion together.
